This just isn't a viable solution for everyone. My computer is a media hub of backed up information over several years. It has system of shared folders where the roommates in my house can upload or download from and it streams to 4 xbox media centers. "Don't click stuff" just doesn't cut it. I need to have constant 100% automated file monitoring on my shared folders 24/7.
The funny thing is that despite this, I've been leaving protection to my router for years with almost no problems. I say almost because about once or twice a year some one gets a bunch of spyware and it propogates like mad. This is what's made me think I need to look into protection. Other than that I can't remember when i've last had a virus o.O